Just to be frank with u all u need is to go to your bank and ask them to activate your card for oneline transactions. Then the access code is behind your card and are the last three digits that if u enter them, u will have absolute access to online transactions.
NB: First thing to do is go to your bank and ask them to activate your card whereby u will fill some form for that process to happen. In otherwords u are the boss who says what transactions.